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There are a few different ways merchants can implement and use the ANZ eGate facility. Click on the appropriate link below for more information.

Implementation types top

There are a few different ways merchants can implement and use the ANZ eGate facility. These include:

Merchant Administration

Merchants can use an internet browser on their computer to log into the ANZ eGate Administration website where they can access a page to submit card details. A real time response is displayed within seconds.

Bank hosted

Purchasers can order goods from a merchantís website and are then re-directed to a secure payment page hosted by ANZ eGate. The purchaser then selects the card type they wish to pay with and enters their credit card number, expiry date and Card Validation Code. ANZ eGate then processes the payment, and generates an approval or declined message before directing the customer back to a results page at the merchantís website. Merchants require our Response Codes to display a receipt for the purchaser.

Because the purchaser enters credit card data directly to the ANZ eGate hosted payment page, Bank Hosted Implementation saves you the cost of securing the collection, storage and transmission of your customersí credit card details.

Merchant hosted

Merchant hosted is where the merchant provides an SSL secure page on their website for purchasers to enter credit card details and order details. The merchantís system then sends one encrypted message to ANZ eGate, which processes the transaction and provides an approved/declined response. The merchantís system then displays a response to the purchaser.

This model requires the merchant to implement measures such as 128-bit SSL encryption for payment authorisation, firewall and intruder detection software to protect the card details. This model can also be used for mail order, IVR and call centre application.


Technical interface top

Payment Client

The Payment Client is the main interface to ANZ eGate, it comprises a Java component that has to be installed on the server used by the merchant plus key encryption files. The Payment Client requires JDK or JVM 1.3 or 1.4 to run.

Virtual Payment Client (VPC)

The VPC has been devised for merchants unable to install components on the server (for example they may be using a shared server). It is only available for use with the Bank Hosted model. Sample Code is available in ASP, Perl, PHP and JSP.


Security protection top

ANZ eGate platform includes increased fraud and chargeback protection through: -

  • Verified By Visa online authentication.
  • Card Validation Code checking Ė checks the three digit security code on the signature panel of VISA and MasterCard issued credit cards. 

Both features will be enabled for Bank Hosted implementations. If you are implementing a Merchant Hosted solution you will need to include extra lines of code to utilise these features, details are included in the Sample Code. We recommend that both features be enabled for shopping transactions.

Please contact the ANZ eGate Help Desk (details below) should you require for further details.


What happens next? top

If you wish to trial ANZ eGate, download the appropriate development kit. You will also need to request ANZ eGate Help Desk to provide the Payment Client Install files, a set of test keys and log on details, email your request to the ANZ eGate Help Desk.

If you are implementing a solution for a merchant who has already been approved for ANZ eGate please contact the ANZ eGate Help Desk. You should have the merchantís ANZ Merchant number and know which of the above options you intend to use when you call.

If you wish to apply for ANZ eGate please call our Merchant New Business team on
1300 366 988. Select option 2 between the hours of 8am to 7pm, Monday to Friday.

Please also refer to the Developer Frequently Asked Questions for any technical queries.

The ANZ eGate Help Desk can also be contacted via the details below:

Australian Customers:

dot Telephone: 1800 039 025 (select option 4) between the hours of 8am to 8pm, AEST, Monday to Friday.
arrow Email ANZ eGate

New Zealand Customers:

dot Telephone: 0800 338 767 (select option 2) between the hours of 8am to 8pm, Monday to Friday.
arrow Email ANZ eGate New Zealand